Berrien County property record for 4905 Central Ave, Watervliet, MI 49098
| Property Type | Single Family Home |
|---|---|
| Details | 1 bd · 1 ba · built 1930 |
| Lot Size | 0.26 acres (11,326 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $1,618 (2025) |
| Deeds & Mortgages | Aug 2022 Mortgage Sep 2023 Sale + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 21-0850-0041-00-3 |
| Primary APN | 21-0850-0041-00-3 |
|---|---|
| Alternative APNs |
|
| Lot Area | 11,326 sqft (0.26 acres) |
|---|
| Street Address | 4905 CENTRAL AVE |
|---|---|
| City | WATERVLIET |
| State | MI |
| Zip | 49098-9395 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Legal Description | COMBINED ON 11/14/2024 FROM 21-0850-0041-00-3, 21-0850-0043-00-6; LOTS 41, 42, & 43 BEECH WOOD POINT |
| Legal Subdivision | BEECHWOOD POINT |
| Legal Lot Number | 41-43 |
| Jurisdiction | BERRIEN MI |
| Township / Civil Division | WATERVLIET |
| Census Block Group | 2 |
| Census Block | 2002 |
| Census Tract | 10300 |
4905 Central Ave is owned and occupied by an individual.
Source: Berrien County records, as of September 28, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 4905 CENTRAL AVE, WATERVLIET, MI 49098-9395 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Aug 4, 2022 | Deed of Trust, Mortgage · Conventional Mortgage FAIRWAY INDEPENDENT MORTGAGE CORP |
| Sep 1, 2023 | Warranty Deed, Transfer |
| May 20, 2020 | Warranty Deed, Transfer · FHA Mortgage LAKE MICHIGAN CU |
| Deed Names | Name on Deed |
|---|---|
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | BERRIEN MI |
| Property Address | 4905 CENTRAL AVE, WATERVLIET, MI 49098-9395 |
| Transaction Type | Mortgage |
| Record Updated | Nov 9, 2023 |
| Name | Verified Name |
|---|---|
| Address | 4905 CENTRAL AVE, WATERVLIET, MI 49098-9395 |
| Document Number | 03381/2999 |
|---|---|
| Date | Aug 4, 2022 |
| Book Page | 3381/2999 |
| Instrument | 2022359339 |
| Name | FAIRWAY INDEPENDENT MORTGAGE CORP |
|---|---|
| Type | Mortgage Company |
| Address | CARROLLTON, TX 75007 |
| Type | Conventional Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Sep 1, 2052 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | Sep 1, 2023 |
| Property Address | 4905 CENTRAL AVE, WATERVLIET, MI 49098-9395 |
| Document Number | 03411/1050 |
| Book / Page | 3411 / 1050 |
| Map Reference | LB 3 PG 40 |
| Instrument Date | Aug 4, 2023 |
| Instrument | 2023388160 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Amount | Amount on Record |
|---|---|
| Tax | $60.00 |
| Amount Accuracy | Full Amount Stated |
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 4905 CENTRAL AVE, WATERVLIET, MI 49098-9395 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | BERRIEN MI |
| Recording Date | May 20, 2020 |
| Property Address | 4905 CENTRAL AVE, WATERVLIET, MI 49098-9395 |
| Document Number | 03275/2537 |
| Book / Page | 3275 / 2537 |
| Map Reference | LB 3 PG 40 |
| Instrument Date | Apr 27, 2020 |
| Transaction Type | Transfer |
| Record Updated | Nov 9, 2023 |
| Amount | Amount on Record |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $705.20 |
| Amount Accuracy | Full Amount Stated |
| Additional |
|
| Name | Verified Name |
|---|---|
| Address | 4720 S 168TH EAST AVE, TULSA, OK 74134-7108 |
| Name | Verified Name |
|---|---|
| Address | 4905 CENTRAL AVE, WATERVLIET, MI 49098-9395 |
| Document Number | 0032752540 |
|---|---|
| Date | May 20, 2020 |
| Instrument | 3275/2540 |
| Name | LAKE MICHIGAN CU |
|---|---|
| Type | Credit Union |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Jun 1, 2050 |
The 2025 property tax bill for 4905 Central Ave was $1,618 with a homeowner's exemption.
Source: Berrien County assessment roll, as of September 28, 2026
| Type | Name |
|---|---|
| State | Michigan |
| County | Berrien County |
| County Subdivision | Watervliet Township |
| Unified School District | Watervliet School District (KG - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $63,800 | $127,600 | |
| 2025 | $1,618.00 | ||
| 2023 | $43,400 (+4.08%) | $86,800 (+4.08%) | |
| 2022 | $1,245.00 (+3.23%) Homeowner's exemption | $41,700 | $83,400 |
| 2021 | $1,206.00 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 4905 Central Ave in Zone X, an area of minimal flood risk, within 500 ft of a high-risk flood zone.
Source: FEMA National Flood Hazard Layer, effective September 10, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Nearest Special Flood Hazard Area | Zone AE, within 500 ft |
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Policies | 1 in force |
| Nearby Flood Claims | 7 (1979–1986) |
| Most Recent Claim | Oct 1986 · river or lake flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 4905 Central Ave is low, with less than a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 94% of the US · lower than 85% of Michigan |
|---|---|
| Wildfire Likelihood | Under 0.01% annual chance |
| Exposure | None beyond ember reach |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 76 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Surf Internet Fiber | 8,000 / 8,000 |
| Xfinity Cable | 1,200 / 35 |
| Verizon Fixed Wireless | 300 / 20 |
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